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EMI Calculator
Monthly EMI: ₹0.00
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Pan & Aadhar.
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Last 3 months salary slip.
Last 1 yr form 16.
Pan & Aadhar.
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Udyam Aadhar.
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FAQs
To choose the right EMI, assess your monthly income and expenses. Ideally, your EMI should not exceed 40-50% of your monthly income to avoid financial strain. Use an EMI Calculator to estimate a comfortable amount based on your loan tenure and interest rate.
A longer tenure reduces your monthly EMI but increases the total interest paid. A shorter tenure results in higher EMIs but lowers the total interest cost.
A fixed interest rate remains unchanged throughout the loan tenure, keeping EMIs constant. A floating rate fluctuates with market conditions, so your EMI can increase or decrease over time.
Yes, most banks allow partial or full prepayment of home loans. Prepaying can reduce your EMI or shorten the loan tenure, though some lenders may charge a nominal prepayment fee.
You can reduce your EMI by opting for a longer loan tenure, negotiating a lower interest rate, making a larger down payment, or improving your credit score for better loan terms.
Missing an EMI can result in penalties, increased interest rates, and damage to your credit score. Repeated defaults can lead to legal action or loan recovery processes. Always inform your lender if you anticipate difficulty in making payments.
